Home Insurance in Marshall County, West Virginia
The median home value in Marshall County is $149,800, 8% lower than the West Virginia median.
The typical home in Marshall County was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 50% of homes were built before 1960, about 18 points above West Virginia's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marshall County is 83% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 40% of owner-occupied homes in Marshall County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Marshall County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Marshall County - 51% - are primarily heated with natural gas.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), hurricane (Very Low) and hail (Relatively Low) as the leading hazards for Marshall County.
As of September 2026, Marshall County has 135 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in West Virginia carries a statewide average premium of $1,179 per year.
Key figures
| Median home value | $149,800 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 135 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Cameron
- Median home value: $65,000
- Median year built: 1939 or earlier
- Owner-occupied share: 70%
-
McMechen
- Median home value: $96,900
- Median year built: 1939 or earlier
- Owner-occupied share: 64%
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)